Frontwave Credit Union

Overview / Commentary
1278 Rocky Point Dr
Oceanside, CA 92056

Frontwave Credit Union is headquartered in Oceanside and is the 44th largest credit union in the state of California. It is also the 306th largest credit union in the nation. It was established in 1952 and as of March of 2024, it had grown to 246 employees and 123,240 members at 13 locations. Frontwave Credit Union's CD rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Frontwave Credit Union is open to those who live, work, or worship in the California counties of Riverside, San Bernadino, or San Diego. Immediate family members of current Frontwave Credit Union members also qualify.
See current membership details

Easy To Work With

Posted by: |

I opened a 6% 18 month Cd in the Escondido branch.
It was very easy and the representative was friendly and accomodating. As my other Cds mature I will buy new ones from Frontline. Very happy with the process

Excellent Service- Great People

Posted by: |

I jumped on the 6% cd. I called a specific person that I had dealt with in the past and she reopened my account- no problem. By the end of the afternoon I had all funds transferred and cd opened in my trust. A piece of cake! All efficient people working. there and they remembered me.

A great local credit union

Posted by: |

Back when I used to live in California, they had a branch out in Barstow, CA. It was an extremely big building and welcoming. It was also very professional looking, though they had more tellers than necessary at most times. The staff would always greet you with a smile and if you had an issue with filling out paperwork they were happy to help or send me to the appropriate department. I wasn't sure what the tellers were capable of since I was young, but they're very nice to those new to banking. The interest rates for just about anything beat the major banks out there. The one thing they were a decade behind on was an online presence. It looks like they've improved upon that since I was last with them. Their branch is only available in California, but I strongly recommend them. If they are not available to you, they recommended us to fairwinds when we moved and their services are equal. That includes fees for things like an inactive debit card, not meeting your monthly minimum deposit, etc. Either way, it's a good place.

RIP-OFF Extortion

Posted by: |

The FrontWave CU fee rip off borders on extortion. The Class Action Lawsuit should force the credit union to return the loot to the marines they stole it from. The CEO and Board of Directors must resign for running a Mafia style racket that steals millions from the troops defending our country. Never Shocked. Just Disappointed. What a disgraceful scam.



Health Grade Components

NCUA #68494
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD-0.08%
Return on Equity - YTD-1.26%
Annual Interest Income$15.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.54B$1.44B
LoansQ1 2024vs Q1 2023$929.9MM$926.1MM
DepositsQ1 2024vs Q1 2023$1.21B$1.23B
Equity CapitalQ1 2024vs Q1 2023$97MM$92.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$8MM$5.8MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$3.5MM$2.9MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Frontwave Credit Union Savings Account Rates

0.05%$5-Share Savings Account
0.05%$0-Individual Retirement Account
0.05%$0-Teen Savings
0.05%$0-Kids Savings

Frontwave Credit Union Money Market Rates

1.75%*$1m*-Money Market
OTHER TIERS: 0.05% $2.5k - $25k | 0.20% $25k - $50k | 0.30% $50k - $100k | 0.80% $100k - $250k | 1.00% $250k - $500k | 1.50% $500k - $1m
1.75%*$1m*-Money Market IRA
OTHER TIERS: 0.05% $2.5k - $25k | 0.20% $25k - $50k | 0.30% $50k - $100k | 0.80% $100k - $250k | 1.00% $250k - $500k | 1.50% $500k - $1m

Frontwave Credit Union Checking Account Rates

0.05%$5-Dividend Plus
0.01%$5-Business Dividend

Frontwave Credit Union CD Rates

4.05%$1k-1 Year Share Certificate
3.65%$1k-21 Month Share Certificate
3.00%$1k-18 Month Certificate - New Money
2.95%$1k-10 Month Share Certificate
2.85%$1k-2 Year Share Certificate
2.65%$1k-3 Year Share Certificate
2.55%$1k-4 Year Share Certificate
2.45%$1k-5 Year Share Certificate
1.90%$1k-6 Month Share Certificate
1.20%$100$5003 Year Military Saver Certificate
1.10%$100$5002 Year Military Saver Certificate
0.95%$100$5003 Year Saver Certificate
0.90%$100$5001 Year Military Saver Certificate
0.85%$100$5002 Year Saver Certificate
0.80%$100$5006 Month Military Saver Certificate
0.65%$100$5001 Year Saver Certificate
0.55%$100$5006 Month Saver Certificate

Frontwave Credit Union IRA Rates

3.55%$1k-1 Year IRA Share Certificate
3.15%$1k-21 Month IRA Share Certificate
2.50%$1k-18 Month IRA Share Certificate
2.45%$1k-10 Month IRA Share Certificate
2.35%$1k-2 Year IRA Share Certificate
2.15%$1k-3 Year IRA Share Certificate
2.05%$1k-4 Year IRA Share Certificate
1.95%$1k-5 Year IRA Share Certificate
1.40%$1k-6 Month IRA Share Certificate


San Diego Area

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